Reviewing Old National Bancorp (NASDAQ:ONB) and Pioneer Bankshares (OTCMKTS:PNBI)

Old National Bancorp (NASDAQ:ONB) and Pioneer Bankshares (OTCMKTS:PNBI) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, risk, institutional ownership, profitability, analyst recommendations, valuation and dividends.

Valuation and Earnings

This table compares Old National Bancorp and Pioneer Bankshares”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Old National Bancorp	$2.54 billion	2.91	$581.99 million	$1.65	14.02
Pioneer Bankshares	$15.49 million	1.61	$1.90 million	N/A	N/A

Old National Bancorp has higher revenue and earnings than Pioneer Bankshares.

Profitability

This table compares Old National Bancorp and Pioneer Bankshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Old National Bancorp	17.93%	10.10%	1.12%
Pioneer Bankshares	N/A	N/A	N/A

Dividends

Old National Bancorp pays an annual dividend of $0.56 per share and has a dividend yield of 2.4%. Pioneer Bankshares pays an annual dividend of $1.00 per share and has a dividend yield of 4.0%. Old National Bancorp pays out 33.9% of its earnings in the form of a dividend.

Insider & Institutional Ownership

83.7% of Old National Bancorp shares are held by institutional investors. 1.1% of Old National Bancorp shares are held by company insiders. Comparatively, 13.7% of Pioneer Bankshares shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Risk and Volatility

Old National Bancorp has a beta of 0.82, indicating that its stock price is 18% less volatile than the S&P 500. Comparatively, Pioneer Bankshares has a beta of 0.31, indicating that its stock price is 69% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of current recommendations and price targets for Old National Bancorp and Pioneer Bankshares, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Old National Bancorp	0	1	7	1	3.00
Pioneer Bankshares	0	0	0	0	0.00

Old National Bancorp currently has a consensus price target of $23.44, indicating a potential upside of 1.32%. Given Old National Bancorp’s stronger consensus rating and higher probable upside, analysts plainly believe Old National Bancorp is more favorable than Pioneer Bankshares.

Summary

Old National Bancorp beats Pioneer Bankshares on 12 of the 15 factors compared between the two stocks.

About Old National Bancorp

Old National Bancorp operates as the bank holding company for Old National Bank that provides various financial services to individual and commercial customers in the United States. It accepts deposit accounts, including noninterest-bearing demand, interest-bearing checking, negotiable order of withdrawal, savings and money market, and time deposits; and offers loans, such as home equity lines of credit, residential real estate loans, consumer loans, commercial loans, commercial real estate loans, agricultural loans, letters of credit, and lease financing. The company also provides debit and automated teller machine cards, telephone access, online banking, and other electronic and mobile banking services; cash management, private banking, brokerage, trust, investment advisory, and other traditional banking services; wealth management, investment, and foreign currency services; and treasury management, merchant, and capital markets services, as well as community development lending and equity investment solutions. The company was founded in 1834 and is headquartered in Evansville, Indiana.

About Pioneer Bankshares

Pioneer Bankshares, Inc. operates as the bank holding company for Pioneer Bank, Inc. that provides various banking and related financial services to individual consumers, small to medium size businesses, and professional community in the United States. The company offers various deposit products, which include business and personal checking accounts, savings accounts, and certificates of deposit. Its personal loans comprise personal installment and single-pay, and auto loans; and business loans consists of operating capital, equipment loans, investment properties, lines of credit, business expansion, and property acquisition or construction, as well as home mortgage and home equity loans. In addition, the company provides credit and debit cards, safe deposit boxes, online and mobile banking tools, merchant services, and cash management services. Further, it offers investment products, such as individual retirement accounts, 529 college savings plans, small business investment strategies, fixed, and variable annuities. Additionally, the company provides personalized investment advisory services, as well as securities and insurance products and services. Pioneer Bankshares, Inc. was founded in 1909 and is headquartered in Stanley, Virginia.